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Pennian Bank
Mifflintown, PA · FDIC Certificate #7613 · Chartered 04/1
Total assets
$667.95M
Total deposits
$578.89M
Total equity
$49.76M
Net loans
$441.97M
Branches (offices)
11
Net income (YTD)
$1.30M
Rank: #1,417 of 4,213 U.S. banks by assets · #56 of 109 in Pennsylvania. Assets changed -1.0% and deposits -2.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.39% |
| Return on equity | 5.29% |
| Net interest margin (YTD) | 3.13% |
| Equity to assets | 7.45% |
| Tier 1 leverage ratio | 9.24% |
| Uninsured deposits (share of deposits) | 21.8% |
| Noncurrent loans (share of loans) | 1.09% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 76.3% |
| Real estate loans (share of loans) | 82.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $364.52M | 82.5% | |
| Commercial & industrial | $62.38M | 14.1% | |
| Consumer / individual | $3.04M | 0.7% | |
| Construction & development | $10.36M | 2.3% | |
| Agricultural | $3.29M | 0.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $700.28M | $615.00M | $2.63M | $43.41M |
| Jun 2023 | $703.36M | $603.66M | $1.40M | $42.04M |
| Jun 2024 | $707.72M | $584.55M | $498.00K | $42.20M |
| Jun 2025 | $674.36M | $590.98M | $1.58M | $44.20M |
| Jun 2026 | $667.95M | $578.89M | $1.30M | $49.76M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $578.89M | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $578.89M.
Similar-sized banks
First State Bank Of Blakely ($668.20M) · Community State Bank ($667.47M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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